Company Overview

The hiring organisation operates in the foreign exchange and digital financial services industry, where transaction transparency and effective financial crime controls are essential. Its compliance function supports the identification of unusual trading and payment activity, the assessment of customer behaviour, and the timely escalation of potential money laundering and sanctions-related concerns.

Role Summary

The AML/KYC Analyst will examine FX-related transactions and customer activity to identify patterns that may indicate money laundering, sanctions exposure, or other financial crime risks. The analyst will investigate monitoring alerts, assess activity against established customer profiles, document findings, and support appropriate escalation and reporting procedures.

Key Responsibilities

• Review transaction monitoring alerts involving FX trading, currency conversions, deposits, and withdrawals.

• Analyse transaction patterns, trading activity, customer profiles, and source-of-funds information to identify unusual behaviour.

• Investigate activity inconsistent with a customer’s stated business purpose, expected trading profile, or historical transactions.

• Review customer documentation and KYC records to determine whether additional due diligence is required.

• Assess potential risks associated with unusual transaction volumes, rapid movement of funds, and complex payment patterns.

• Document investigation findings, supporting evidence, and decisions in the relevant case management system.

• Escalate potentially suspicious activity to designated compliance personnel for further assessment and any required reporting.

• Support sanctions-related reviews and investigations in line with applicable procedures.

• Identify recurring alert patterns and recommend improvements to monitoring rules or investigation workflows.

• Maintain confidentiality and comply with internal information-handling and record-retention standards.

Requirements and Qualifications

• Bachelor’s degree in Finance, Economics, Accounting, Law, or a related field.

• Relevant experience in transaction monitoring, AML investigations, KYC analysis, or financial crime operations.

• Understanding of FX trading and settlement processes, payment flows, and transaction risk indicators.

• Familiarity with risk-based AML controls, suspicious activity escalation, and applicable EU regulatory requirements.

• Experience with transaction monitoring systems, screening tools, or compliance investigation platforms.

• Strong investigative judgement, analytical thinking, and report-writing skills.

• Ability to manage multiple cases while maintaining consistent documentation quality.

• CAMS, ICA, or other relevant financial crime compliance qualifications are advantageous.

Benefits

• Fully remote position within Estonia.

• Opportunity to specialise in FX transaction monitoring and financial crime investigations.

• Exposure to practical compliance challenges across international financial transactions.

• Professional learning opportunities in AML analytics and investigation techniques.

• Collaborative working environment with compliance, risk, and operations teams.

Application Instructions

Interested applicants should submit a CV highlighting relevant AML investigation, transaction monitoring, and FX or payment services experience. Candidates may include a brief description of their approach to investigating unusual transactions and documenting compliance decisions. Applications should be submitted through the official application channel provided by the hiring organisation.

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